(57) The invention concerns a method, and the related system, for authorising mandates
of payment through credit instruments, in particular for payments carried out on the
Internet by credit cards, wherein a purchaser (1) provided with a credit instrument,
issued by an issuing institution (4) and univocally determined by credit instrument
identification data, purchases at least one item of goods and/or at least one service
in a commercial site (2) through a purchase order univocally determined by an identification
number of the purchase order, characterised in that it comprises the following phases:
- giving the purchase order identification number by the commercial site (2) to the
purchaser (1);
- giving at least one first portion of the credit instrument identification data by
the purchaser (1) to the commercial site (2) through a first communication channel;
- sending, from the commercial site (2) to the issuing institution (3, 4), a request
for authorisation of the mandate of payment, comprising the purchase order identification
number and said at least one first portion of the credit instrument identification
data;
- giving the purchase order identification number and at least one second portion of
the credit instrument identification data by the purchaser (1) to the issuing institution
(3, 4) through a second communication channel;
- checking, by the issuing institution (3, 4), the validity of the credit instrument
corresponding to said at least one first portion of the identification data and to
said at least one second portion of the identification data; and
- sending, from the issuing institution (3, 4) to the commercial site (2), a confirmation
or refusal of authorisation of the mandate of payment, depending on the outcome of
checking.
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